General contractors face unique risks on every job site — from property damage to employee injuries. Our contractor insurance packages bundle the coverages you need so you can bid with confidence and meet contract requirements.
Coverages we place
General liability for bodily injury and property damage on job sites
Workers' compensation for crew injuries and medical costs
Commercial auto for work trucks, vans, and trailers
Tools & equipment coverage for theft, damage, and breakdown
Inland marine for materials in transit between sites
Builder's risk for structures under construction
Umbrella liability for large-contract protection
Surety bonds to meet bid and project bonding requirements
Who needs this coverage
General contractors, remodeling companies, home builders, handyman services, and specialty trade contractors who need proof of insurance to win contracts, pull permits, and protect their business from costly lawsuits.
What drives your premium
Type of work performed (roofing vs. painting vs. framing)
Annual gross receipts and payroll
Number of employees and subcontractors
Claims history and safety record
States where you operate
Contract sizes and bonding requirements
Common exclusions
Intentional acts or fraud
Work performed without proper licensing
Pollution liability (available as endorsement)
Professional design errors (need E&O)
Employee dishonesty (need crime coverage)
Frequently asked questions
What insurance do contractors need?
At minimum, general liability and workers' compensation. Most contracts also require commercial auto, tools coverage, and sometimes umbrella liability. Surety bonds are needed for public projects and many private contracts.
How much does contractor insurance cost?
General liability typically runs $800–$3,000/year for small contractors. Workers' comp varies widely by trade — roofers pay more than painters. We bundle policies to save 15-25% on average.
Do I need insurance for subcontractors?
Yes. If your subs don't carry their own insurance, your policy may cover their claims — increasing your premiums and risk. Always require certificates of insurance from subcontractors.
Can I get same-day certificates of insurance?
Yes. We issue COIs within hours so you never lose a contract due to paperwork delays.